Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$699,000

241 PIONEER Trail, Palatka, FL 32043

Cedar Creek Country

Price
$699,000
Beds / Baths
4 / 3
Living area
2,994 sqft
Year built
2008
Type
Residential
Lot
2.46 ac
Garage
2
HOA
None
CDD
No
Flood zone
Unknown
County
Putnam
Days on market
61

$233/sqft asking, vs a $179/sqft median across 1,751 closed sales in 32043 over the last 12 months — 30% above the area's closed prices. Condition and lot vary; that's what a showing is for.

OPEN HOUSE!! Sat the 18th 10:00-12:00 Nestled on 2.46 private wooded acres with approximately 142 feet of Cedar Creek frontage, this custom-built all-brick waterfront home offers the perfect blend of comfort, craftsmanship, and outdoor living. With nearly 3,000 square feet of thoughtfully designed living space, the open floor plan is filled with natural light and showcases breathtaking water views through a wall of 8-foot glass French doors spanning the back of the home. Stained concrete floors, soaring ceilings, a wood-burning fireplace, and custom wood cabinetry create a warm yet refined atmosphere throughout. The spacious kitchen is designed for both everyday living and entertaining, featuring granite countertops, stainless steel appliances, abundant cabinetry, and a large center island for meal prep and gathering. A split-bedroom floor plan provides privacy, with the expansive primary suite offering tranquil water views, private access to the covered lanai, a spa-inspired bath wi walk-in shower and separate garden tub, and generous closet space. Upstairs, the fourth bedroom and full bath provide a flexible space for guests, a home office, or a bonus room. Step outside and experience true Florida waterfront living. Relax on the covered rear porch, entertain on the oversized patio, or head down to your private dock with covered pavilion for boating, fishing, kayaking, shrimping, or simply enjoying the peaceful surroundings. Cedar Creek offers navigable access to the St. Johns River in approximately seven minutes, making it an exceptional location for water enthusiasts. Built with quality and efficiency in mind, the home also features two HVAC systems, two water heaters, insulated interior walls for added sound reduction and energy efficiency, custom electrical with 200-amp service, an oversized side-entry garage with abundant storage, a large laundry room with custom cabinetry and utility sink, private well and septic, and the added benefit of no HOA or CDD fees. If you're searching for a private waterfront retreat where nature, recreation, and quality construction come together, this exceptional property is ready to welcome you home.

What to check on this one

  • Verify flood zone designation and elevation certificate for Cedar Creek waterfront property.
  • Confirm roof age and condition—home is 18 years old; check insurer requirements.
  • Request septic system inspection records and pumping history for 2.46-acre lot.
  • Obtain survey documenting 142 feet Cedar Creek frontage and any easements/restrictions.
  • Inspect seawall or bulkhead condition along waterfront; estimate repair costs if needed.
  • Review well water test results and septic design capacity for property size.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$3,627/mo
Property tax (1.1% eff., Putnam Co.)$641/mo
Homeowners insurance (est.)$408/mo
All-in monthly (est.)$4,676/mo

Loan $559,200 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of BETROS REALTY INC. Data via realMLS (Northeast Florida MLS), updated Jul 16, 2026, 12:30 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.